Best Portfolio Tracker for Spain Investors

Track your global investments in euros alongside every currency you hold — built for expats, nomads, and Beckham Law beneficiaries in Spain.

Why tracking investments in Spain is different

Spain has become one of Europe's top destinations for expats, retirees, and digital nomads. Barcelona, Madrid, Valencia, and M\u00e1laga each offer distinct lifestyles, but they share a common draw: excellent quality of life at a cost well below northern Europe. The introduction of Spain's Digital Nomad Visa in 2023 and the continued availability of the Beckham Law tax regime have made the country even more attractive to internationally mobile professionals who want a European base without the full weight of Spanish taxation.

For investors living in Spain, the financial landscape is surprisingly complex. Spain's tax system distinguishes between general income and savings income, applies different rates to each, and layers on wealth tax and the Modelo 720 foreign asset declaration for anyone holding more than 50,000 EUR in assets outside the country. Expats who benefit from the Beckham Law face a different set of rules entirely, with flat-rate taxation on Spanish-source income but nuanced treatment of investment gains. Keeping track of what you own, where it is held, and what it is worth in euros is not optional — it is a regulatory necessity.

FlashFi is a multi-currency portfolio tracker that brings all of your investments into one EUR-native dashboard. Whether you hold a DEGIRO account, an ISA from the UK, a 401(k) from the US, or shares through Interactive Brokers, FlashFi shows you your total net worth in euros with live exchange rates — giving you the clarity you need for both financial planning and Spanish tax compliance.

Key challenges for Spain investors

Modelo 720 requires detailed foreign asset reporting

Spanish tax residents who hold assets outside Spain exceeding 50,000 EUR in any of three categories — bank accounts, securities, or real estate — must file the Modelo 720 informative declaration. This requires detailed reporting of every foreign account and investment, including the institution name, country, and value as of December 31st. Penalties for non-compliance have been reduced following EU court rulings, but the filing obligation remains, and having an accurate, consolidated view of foreign holdings is essential.

Spanish savings income tax bands add complexity

Spain taxes investment income — capital gains, dividends, and interest — under a separate savings income schedule with progressive rates. The bands start at 19% for the first 6,000 EUR and step up through 21%, 23%, and 27%, reaching 28% for savings income above 300,000 EUR. This means the tax impact of realising gains depends not just on the gain itself but on total savings income for the year. Tracking the euro value of all investment gains across multiple currencies is critical for tax planning.

Beckham Law creates a parallel tax universe

The Beckham Law (R\u00e9gimen Especial de Trabajadores Desplazados) allows qualifying new residents to elect non-resident tax treatment for up to six years, paying a flat 24% on Spanish-source employment income up to 600,000 EUR. However, the treatment of investment income, foreign dividends, and capital gains under this regime has specific rules that differ from standard resident taxation. Beneficiaries need to understand exactly which income falls under the regime and which does not, making clear portfolio records essential.

Multi-currency portfolios are the norm for expats

A British expat in Barcelona might hold an ISA in GBP, a brokerage account in USD, and local investments through DEGIRO or Myinvestor in EUR. An American in Madrid likely has a 401(k) and IRA in USD alongside European holdings. Each account reports in its native currency, but Spanish tax obligations are calculated in euros. Without real-time multi-currency conversion, building an accurate picture for Modelo 720 filings, wealth tax calculations, or simple net worth tracking becomes a manual exercise prone to errors.

How FlashFi helps Spain investors

EUR-Native Dashboard

See your entire global portfolio converted to euros in real time, or switch to USD, GBP, or any of 30+ supported currencies. FlashFi pulls live FX rates for EUR/USD, EUR/GBP, and more so you always know the true euro value of your international holdings.

Track Home Country and Spanish Accounts Together

Combine your UK ISA, US 401(k), DEGIRO portfolio, and Spanish bank deposits into one unified net worth view. FlashFi handles every currency and every platform in a single dashboard.

No Account Linking Required

FlashFi uses manual portfolio tracking, so it works with every Spanish and international brokerage without sharing login credentials. DEGIRO, Interactive Brokers, XTB, Myinvestor, Renta 4, or any other platform — just enter your holdings and FlashFi pulls the latest prices automatically.

Currency Impact Tracking

See exactly how EUR/USD and EUR/GBP movements affect the euro value of your non-European holdings. FlashFi separates asset performance from currency impact so you know whether a position grew because the market moved or because the euro weakened.

Frequently asked questions

Can I track my UK ISA or US 401(k) in euros?

Yes. Set EUR as your base currency in FlashFi and every holding across all your accounts — including UK ISAs, US retirement accounts, and international brokerage holdings — will be converted to euros using live exchange rates. This makes it straightforward to see your total portfolio value in the currency Spain requires for tax reporting.

Does FlashFi help with Modelo 720 reporting?

FlashFi gives you a clear, real-time view of all your foreign holdings and their euro values, which is exactly the information you need for Modelo 720 filings. While FlashFi is not a tax filing tool, having an accurate consolidated record of your foreign assets by value and category makes the annual declaration significantly easier.

How does the Beckham Law affect my investment tracking needs?

Under the Beckham Law, you are taxed as a non-resident on non-Spanish income, which changes how foreign investment gains are treated. Having a clear view of which investments are held where, and what they are worth in euros, is important for correctly separating Spanish-source and foreign-source income. FlashFi tracks all of this in one place.

Does FlashFi work with Spanish brokerages like DEGIRO and Myinvestor?

Yes. FlashFi uses manual portfolio entry, so it works with any brokerage in Spain or internationally. You can track holdings from DEGIRO, Myinvestor, Renta 4, XTB, Interactive Brokers, or any other platform in a single dashboard.

What currencies does FlashFi support alongside EUR?

FlashFi supports over 30 currencies including USD, GBP, CHF, SEK, AUD, SGD, JPY, and many more. Exchange rates are updated daily, so your euro-denominated portfolio valuations always reflect current market conditions.

By David Brougham